Debt seems to be a way of life for a lot of people. Credit Card debt is out of control and quite a few people have as much as $10,000 or more in credit card and/or medical bills. From a physical point of view, the only solution for a lot of people is either a debt management or a debt settlement program.

Explore the psychology of overspending and debting in a world where credit card abuse has reached epidemic proportions. Shopaholics abuse money the same way that addicts abuse alcohol, drugs or food. Learn how to control compulsive spending using EFT (Emotional Freedom Techniques) a rapid and effective energy method. Experience Mall Therapy. This is a unique and powerful self-help program.

We face many difficult challenges today. Dwindling resources, climate change, pollution, overpopulation, and a growing feeling of disconnection from God or religion all must be solved if we are to retain society and culture as we know it. I examine economics, environment, politics and religion and identify at least 2 paradigm shifts within each topic that will enable us to thrive and develop.

Pledging, hazing, beer bongs …it’s the bewildering world of credit card membership.By avoiding the jargon of economics books, “Ooh Baby Compound Me” captures what it’s really like to be at the mercy of the corporations that control our financial destinies.

This book is designed to help you collect your money by establishing a good credit policy, so you can make the best decision about whether to extend credit in the form of money, work, or sales. Chapters cover establishing your financial policy, protecting yourself ahead of time, maximizing your personal security, extending commercial credit, and managing consumer credit risks.

This book will help you collect your money by persuading the debtor to pay by using various types of appeals. Chapters cover setting up your collection system, keeping track of overdue accounts, the dos and don’ts of debt collecting, effective letters, phone calls, and meetings with the debtor, sending out notifications and reminders, and appeals that motivate the debtor to pay.

This book will help you get paid by a debtor who is reluctant to pay or has financial problems. Chapters cover: the five major reasons for non-payment, suggesting alternatives if the debtor can’t pay in full, handling stalls and objections, helping the debtor find money, dealing with disputes and negotiating settlements, responding to bad checks, making the final demand, and how to get tough.

When will the 21st Century Depression begin? The same conditions that existed in the 1920's are present today:
Growing disparity in wealth, Rising debt, Government Increased Spending, Tax breaks for wealthy, Corporations not paying for their problems, and a Reduction in the living wage as the Middle Class is working longer hours. IF Top 1% owns 48% of wealth, how much does Top 10% own...70%...80%

In turbulent economic times often the hardest thing to find is a corner of peace and happiness in the middle of money troubles and worries. The Beach Misses You is a core financial lesson wrapped in a fable to help the reader understand where happiness can be found when it comes to finding a solution for the stress, worry, and desperation that debt can bring to our lives.